公开(公告)号：US07216099B2

公开(公告)日：2007-05-08

申请号：US10091046

申请日：2002-03-05

申请人： Peng Chen ,  Roger Ibbotson ,  Michael C. Henkel

发明人： Peng Chen ,  Roger Ibbotson ,  Michael C. Henkel

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q40/10

摘要： An automated retirement plan manager manages the assets of an employee retirement benefits plan on behalf of an employer. The plan manager executes trades on investment vehicles based on instructions from an automated independent investment advisor. The advisor calculates a human capital for each plan participant based on data derived from the employer and from the participant through an interface, and based on that human capital calculation recommends an allocation of portfolio assets to the participant. This recommendation, once presented for review by and perhaps modified by the participant, becomes an instruction to the plan manager. As the participant ages his or her human capital is recalculated, and this is used to determine whether the participant's present portfolio type should now be switched to a more conservative one.

摘要翻译： 自动退休计划经理代表雇主管理员工退休福利计划的资产。 计划经理根据自动化独立投资顾问的指示执行投资工具交易。 顾问根据从雇主和参与者通过界面获得的数据计算每个计划参与者的人力资本，并且根据该人力资本计算，建议将投资组合资产分配给参与者。 该建议一旦提交给参与者审阅，也可能由参与者修改，将成为计划经理的指示。 随着参与者年龄的增加，他或她的人力资本被重新计算，并且这被用于确定参与者现在的投资组合类型是否应该切换到更保守的投资组合类型。